I’ve had the same discussion multiple times about: Mainstream real world adoption. 

IMO we have one major problem: 
Security. 

Compared to tradfi /web2, there’s a non-zero chance you can click on the wrong thing and lose your shirt. That’s unacceptable 

Why would any serious firm or use case adopt a solution that has inherent risks to client assets? 

That’s not including smart contract risks or  exploits, phishing attacks etc. 

The only solution seems to be a walled garden approach with native stablecoins that can hedge against fraud or security risks, think Goldman Sachs chain or JPM chain. 